> I've been WFH since 2016 and I never had an issue with focus when doing paid work. I do want to get paid.

YMMV. When I was freelancing, I charged by the hour. Working for 2-3 hours per day was just enough to keep me and the family afloat with some extra money to spare. I haven't saved a penny in 5+ years and haven't had any money for a downpayment on the apartment we were supposed to buy.

Unfortunately, switching to per-project payments would be terrible for me. The deadline would be too far into the future for me to feel the danger of failing the project.